The effort to separate us into various constituencies based on current health and age only works to the advantage of the very rich. Any insurance plan, at its most basic definition, is a plan to manage the risks of its members. Even young and healthy people are subject to health risks. I was a young and healthy 30-year old when I was diagnosed with T1D. Any of us are exposed to common every-day accidents like falling or cutting ourselves.
Parsing the population into smaller and smaller sub-groups in order to "benefit" the healthier is a con job that primarily benefits the insurance companies. We all face similar health risks and as we age our health history unfolds. Why should we penalize people simply because more of their health story is now known? I believe that is capricious and cruel.
Insurance works best with the largest possible pool of participants. Medicare for all is the ultimate solution to this problem and I am continually confounded that a first-world country like ours cannot easily come to that conclusion politically. In this case, the manipulations of the so-called free market will never serve us well. We need to cut ourselves loose from the economic parasites that plague our current health care system.
We are smarter than this. We need to see that each of our health needs are actually everyone's health needs. As the late Paul Wellstone once said, "We all do better when we all do better."